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Legal & Governance

Terms of Service

Effective Date: July 25, 2026 • Last Updated: July 25, 2026

Summary Notice: Trupence is a personal finance tool for account aggregation, rollover budgeting, and financial independence modeling. All bank connections are strictly read-only via Quiltt. Trupence does not provide professional tax, legal, or investment advice.

1. Acceptance of Terms

Welcome to Trupence. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Trupence ("Trupence", "we", "us", or "our") governing your access to and use of the website at trupence.com, our web application, and related software interfaces (collectively, the "Service").

By creating an account, accessing, or using the Service, you confirm that you are at least 18 years of age and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Service.

2. Description of Service

Trupence provides a personal finance command center designed to aggregate financial accounts, track multi-account ledgers, manage rollover category budgets, and model timelines to financial independence.

The Service enables you to synchronize data from checking, savings, investment, credit, and liability accounts to analyze your real-time net worth and long-term cash flow trends.

3. Read-Only Financial Data Aggregation & Quiltt Platform

To provide account aggregation, Trupence integrates with Quiltt Inc. ("Quiltt"), a financial data multi-aggregator platform that interfaces with underlying financial data providers (including Plaid, Finicity, MX, and direct financial institution APIs).

  • Strictly Read-Only Access: All connections established through Quiltt and Trupence are strictly read-only. Trupence has zero capability, authorization, or functionality to initiate electronic fund transfers, move money, process payments, or alter institution balances.
  • Direct Institution Authentication: When linking financial accounts, you authenticate directly with your financial institution in an isolated OAuth authentication window. Trupence never sees, requests, processes, or stores your banking usernames, passwords, PINs, or multi-factor authentication codes.
  • Third-Party Aggregator Terms: By linking an account, you grant Trupence and Quiltt read-only permission to retrieve your transaction history, account details, and balance information on your behalf from your financial institutions.

4. Non-Financial Advisory Disclaimer

Educational & Planning Purposes Only: Trupence is an automated software utility designed for record organization, cash flow tracking, and financial independence modeling. Trupence is not a registered investment advisor, broker-dealer, financial planner, tax advisor, or certified public accountant (CPA).

All net worth estimations, compound growth models, safe withdrawal calculations, rollover budgets, and timeline forecasts generated by the Service are strictly for informational and educational self-planning purposes. They do not constitute financial, investment, tax, legal, or accounting advice. You are solely responsible for evaluating your financial decisions and should consult a qualified financial advisor or tax professional before making financial commitments.

5. User Accounts & Security Obligations

You are responsible for maintaining the confidentiality of your sign-in credentials (such as your Google account session or email magic links) and for restricting access to your devices. You agree to immediately notify us of any unauthorized use of your account or security breach.

Trupence supports Multi-Factor Authentication (2FA) via authenticator apps (TOTP) and WebAuthn biometrics. We strongly recommend enabling 2FA to protect your account.

6. Subscriptions, Billing & Zero Data Selling

Subscription Revenue Model: Trupence is funded purely by subscription revenue. We maintain a strict policy against selling, renting, or monetising your personal financial data to third parties, data brokers, or advertisers.

  • Free Trials: If offered, free trial access grants full access to the Service for the specified trial duration. Upon trial expiration, continued access requires an active subscription.
  • Billing Cycles: Subscriptions are billed on a recurring monthly or annual basis depending on your selected plan. Payments are processed securely via our third-party payment processor.
  • Cancellation: You may cancel your subscription at any time through your Account Settings. Cancellation takes effect at the end of the current billing cycle.

7. Data Ownership & Account Deletion

Your Data Belongs to You: You retain full ownership of all financial data and information associated with your account. Trupence claims no ownership rights over your personal financial records.

You may request a complete export of your ledger data or delete your account at any time. Account deletion triggers an immediate and permanent purge of your stored account tokens, transaction ledgers, and database records from our active systems.

8. Acceptable Use & Prohibited Conduct

You agree not to engage in any of the following prohibited activities:

  • Attempting to reverse engineer, decompile, or extract source code from the Service.
  • Using automated bots, scrapers, or scripts to access or extract data from the Service without permission.
  • Interfering with or disrupting the integrity, performance, or security of our API endpoints or databases.
  • Attempting to access data belonging to another user or bypass tenant isolation safeguards.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Trupence and its officers, directors, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, financial losses, data loss, or service interruptions resulting from:

  • Your access to or inability to access or use the Service.
  • Third-party financial institution API downtime, aggregator delays, or institutional connectivity outages.
  • Inaccuracies or errors in transaction data provided by third-party financial institutions.

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied.

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms shall be instituted exclusively in federal or state courts located in Delaware.

11. Contact Information

If you have any questions regarding these Terms of Service or wish to contact our legal and privacy team, please reach out to us at:

Legal & Privacy Inquiry: [email protected]